About Us

At T&I Credit Union, we are driven and dedicated to the overall improvement of people's lives. We are here to partner with you through all of the ups and downs of life. If you're going through a hard time in your life that is affecting your personal financial situation, please contact us and allow us to see what we can do to HELP YOU!

Our History: T&I Credit Union was founded in 1955 by Ford Tractor Employees in Birmingham. In 1987, we relocated to our current location in Clawson. However, our goal of serving our members and communities has always remained the same. We do so by remaining competitive with low interest rates on loans, special offers and deals, and constant involvement in schools and the communities we reside in.

Mission Statement: Empower people to enjoy life.

Vision Statement: Develop successful strategies for life.

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Meet the Staff

  • Kathy Karner, CEO
  • Jonathan Nofz, COO
  • April Theil, CFO
  • Kyle Trondle, Marketing Manager
  • Chad Frost, Business Development Manager
  • Jamie Dillenbeck, BSA Officer
  • Gretchen Howell, Member Service Manager/Loan Officer

Meet the Board

  • Steve Gottlieb, Chairman
  • Bob Cassidy, Vice-Chairman
  • Pat Camus, Treasurer
  • W. Michael Van Hala, Director
  • Ann Kochanski, Director
  • Steven Koehler, Director
  • Chris Adamini, Director
  • Bhuvnesh Khosla, Director
  • David Banet, Director
  • Kathy Karner, Director


I have always been a member of credit unions my entire life. I have always been very satisfied with the personal attention and service that I received from credit unions. T&I is no different. T&I goes above and beyond to make sure that all of my needs are met and that any questions I have are answered. The personal touch that I receive at T&I is outstanding. When I walk inside of the T&I branch, conveniently located inside of Meritor, Greg always acknowledges me by name and welcomes me with a warm smile. This is not something that I would receive as a member of a large bank such as Chase or Bank of America.

I cannot say enough how great it is to have T&I located in the same building that I work. This has definitely added a convenience factor for me. As a person who works full time and goes to school, I often find myself extremely busy. Having my credit union located right inside my place of employment means I do not have to spend additional time driving somewhere else to take care of my banking needs.

I am very satisfied with the services and personal touch that T&I has given to me. It is safe to say that I will be a member of T&I for a long time.

“I joined T&I for the Personal attention that I get.”

-Brian Tuscany (21), T&I member since 2018


I have been a member of T&I Credit union since 1999 and it has been a great experience from day one. Working with the staff on many occasions has been a very easy and wonderful experience. Everyone at the credit union is a problem solver and is always ready to help. I have always been able to trust T&I Credit Union staff such as Kathy, Gretchen, Lynn and Greg to give me honest and helpful feedback on how some of my loans should be scheduled and financed. The T&I Credit Union staff, under the direction of the very innovating/optimistic CEO Kathy Karner, have made some major milestones and are working towards a greater banking experience, expending their values and treating all members like family. I love being a member and even with technology advancing to the point of not having to step foot in the institution, I always try to stop by for a face to face interaction with this team.

Alexa Shyti, T&I member since 1999


You can now Text us!

We are excited to announce that you can now text us at (248) 588-6688 with any questions or help that you might need!

Need a quick answer? Try texting one of our Keywords to find what you're looking for:

Texting Keywords
ATM Find an ATM near you
AUTO Information on our auto loans
CHECKING Information on our checking accounts
DEBIT CARD Number to report lost or stolen cards
HOME Information on our home loans
HOURS Hours of operation
LOCATION Find our branch
MEMBER APP Online member application
ONLINE BANKING Login to online banking
PERSONAL Information on loan products (excluding Home & Auto)
ROUTING T&I Credit Union routing #
SAVINGS Information on our savings account
WIRE TRANSFER Information on wire transfers


Test Your Financial Vision!

Is your financial vision 20/20? Most people are either unsure of the health of their current financial vision or don't know how to improve it. So we have created the Financial Vision Test to help you identify the health of your financial situation and offer you recommendations on what you can do to improve it! Here is all you need to do:

  • Fill out the form in the link below.
  • Email the completed form here.
  • Our trained staff will review your credit report and make notes to share with you.
  • Set up a time to speak with our trained staff to discuss what you can do to better your financial health!

Obtain the easiest and biggest goal this year and take our Financial Vision Test!

Financial Vision Test Form

Raise your credit score! Lower your monthly payments! Eliminate your credit card debt!

*T&I Credit Union does not guarantee results from this program. Results may vary based on individual situation and individual commitment to improving current financial situation.

Field of Membership

We have been making great strides to improve and further our abilities to better serve not only our members, but the surrounding communities as well. Our new field of membership includes anyone living, working, or worshipping in the following counties in the State of Michigan:
• Lapeer
• Livingston
• Macomb
• Oakland
• St. Clair
• Washtenaw
• Wayne

As we strive to be your primary financial institution, we also hope that you are able to recommend us to your family, friends, and coworkers. Please feel free to contact us with any questions you may have. Your referral is our greatest compliment!


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Routing Number: 123456789

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